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Safeguard your health with our comprehensive protection plans

Health Insurance

Whether you're looking for hospitalisation insurance, outpatient or maternity coverage, we'll help you find the right health insurance plan in Singapore to cater to your medical needs.

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Health Insurance Singapore | Medical Insurance | Hospitalisation Insurance

(Rebranding) [PROD] Health Category

High Annual Coverage Limits

HSBC Life Shield Plan A with private hospital coverage, offers a high annual limit of up to S$2.5 million (If treated by HSBC Life Panel of Specialists or at a Restructured Hospital).

Long Pre- and Post-Hospitalisation Coverage

HSBC Life Shield covers you up to 180 days before admission and 365 days after discharge.

Exclusive Value-Added Services

Enjoy pre-negotiated consultation fees with our General Practitioners (GP) Panel1, Specialist Panel (SP)1, Extended Panel (EP)1, Physiotherapist Panel2 and Dental Panel3.

A Letter of Guarantee (LOG) of up to HSBC Life Shield annual limit can be issued prior to a hospitalisation or surgery if treated by HSBC Life Panel of Specialists or Extended Panel. 

From 1st April 2022, we offer a new Extended Panel of Specialists which consists of specialists belonging to other Shield insurers’ panel who agree to join our Extended Panel and provide Panel benefits to our Shield policyholders. Find out more here.

Enjoy complimentary remote teleconsultation and medicine delivery4 with our Panel clinics in the comfort and privacy of your own home.

You can find more information about how to register and use your account under "Policy Information and Downloads".

Lifetime Renewability

HSBC Life Shield protects you for life with guaranteed renewability.

HSBC Life Shield is an Integrated Shield medical re-imbursement plan designed to complement the Singapore MediShield Life plan.

It offers you a wide range of benefits to cover your everyday healthcare needs, from pre-hospitalisation to post-hospitalisation.

Highlights

Coverage

Please refer to the General Provisions for the full list of exclusions.

Key Exclusions

Get 10% off* your first year premium when you sign up for HSBC Life Shield (Plan A, Plan B and Standard Plan). Offer valid until 31 July 2023. 

Find out more from our representatives today!

Promotion

HSBC Life Shield is a plan payable by MediSave, subject to MediSave withdrawal limits. Please refer to the Ministry of Health's website for details.

1. Excludes medications, prescriptions, investigations and surcharges. Please pay all medical treatment fees to the clinic directly. If there is any hospital admission/Day Surgical Procedure, such bills may be submitted to HSBC Life for reimbursement. Terms and Conditions apply. The list of value-added services may be amended from time to time.

2. Please pay all physiotherapy treatment fees to the clinic directly. If there is any hospital admission/Day Surgical Procedure, such bills may be submitted to HSBC Life for reimbursement. Terms and Conditions apply.

3. Excludes medications, prescriptions, diagnostic tests such as X-ray, medical appliances, scaling and polishing, extraction of teeth, dental surgery etc. Please pay all dental treatment fees to the clinic directly. Please note that HSBC Life Shield does not cover dental treatment; except dental treatment due to an Accident and such treatments are done during Hospitalisation.

4. Excludes medication charges. Please pay all medication fees to the clinic directly. Terms and Conditions apply.

Product T&Cs

T&Cs

Plans

Emergency Outpatient Treatment due to Accident

Fractures, Dislocations and Sport Injuries

Dengue Fever, Hand, Foot & Mouth Disease and Food Poisoning

Accommodation Charges for Immediate Family

Covers the following benefits, subject to different limits for Plan A, B and Standard Plan:

HSBC Life Enhanced Care Rider

Add-Ons to Consider

Add-Ons

Policy Information and Downloads

Downloads

We've made it fast and simple for you to submit your claim.

Make a Claim

Rest assured that we've got your back.

Get In Touch

This plan is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial planner before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

This is only product information provided by us. You should seek advice from a financial planner if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

A Product Summary is available and may be obtained from a financial planner representing HSBC Life. You should read it before deciding whether to purchase the policy. If you decide that the policy is not suitable after purchasing it, you may terminate the policy in accordance with the free-look provision, and HSBC Life may recover from you any expenses incurred in underwriting the policy. A penalty may be imposed for early termination and the new policy may cost more, or have less benefits at the same cost.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 01 April 2023.

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Shield your loved ones with complete care

HSBC Life Shield

HSBC Life Shield offers you a wide range of benefits to cover all your hospitalisation needs, and also Post-Hospitalisation coverage of 365 Days.

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HSBC Life Shield | HSBC Life Singapore

Types of Shield Plans

(Rebranding) (Prod) HSBC Life Shield

Lump Sum Benefits

Pays up to S$15,000 if you are first diagnosed with a Major Cancer;

Pays up to S$3,000 if you die due to a Medical Condition. 

Hospitalisation Allowance

Pays out a daily benefit if you are confined in a hospital;
Pays double the daily benefit if you are confined in the ICU.

No Claims Discount

Enjoy up to 30% discount on your premiums if there is no claim made upon your policy.

Medical and hospitalisation bills can put a financial strain on you and your loved ones. While your existing medical insurance may help with hospital and treatment bills, extra financial support can help to reduce your financial strain.

Prime Care provides affordable protection to complement your existing medical insurance. You deserve to focus on your recovery instead of worrying about the finances.

Life Assured (Child): 1 month to 17 years old

Life Assured (Adult): 18 years old to 65 years old

Policyholder: 18 years old to 65 years old

Policyholder may purchase a third party cover for their child(ren) but is not allowed to purchase a third party cover for their spouse

Minimum and Maximum Entry Age

(a) Singapore citizens and Singapore Permanent Residents (PR)

(d) Dependent Pass holders, Student Pass holders or Long-Term Visit Pass holders when insured with a Policyholder under (a), (b) or (c)

(Work Permit holders and Social Visit Pass holders are not eligible for Prime Care and Premier Care plans)

Eligibility

Eligibility & Options

1. Minimum entry age: Based on attained age.
   Maximum entry age: Based on age nearest birthday.

All information is correct as of 01 February 2023.

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Protect your loved ones with complete care

Prime Care

Prime Care is an affordable health insurance with 3 plans that allows you to claim for hospital inpatient benefits such as Daily Room & Board and Surgical Benefits.

Regardless of your hospital bill size, Prime Care pays you a fixed amount on your in-hospital benefits according to your choice of plan. You get to receive benefits that are over and above other hospital claims.

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Prime Care | HSBC Life Singapore

Types of Prime Care Plans

(Rebranding) (PROD) Prime Care

Comprehensive Benefits

Surgical implants, major organ transplant and daily recovery income benefit.

Outpatient Treatment and Kidney Dialysis

Direct Settlement with the Hospital

Discount for Co-payment and/or Deductible

Up to 30% discount if opted for both Co-payment and Deductible.

For full details of our plans, please refer to the brochure.

Smartcare Executive is a flexible insurance product that provides a range of options to protect you and your loved ones in the event of hospitlisation

A product that is exclusively tailored to fit your budget without compromising on the health protection for you and your loved ones.

What is Covered

Adult:
From 18 years old to 65 years old (Age Next Birthday).
Child:
From 15 days old to 18 years old (Age Next Birthday).


Adult:
80 years old (Age Next Birthday).
Child:
25 years old (Age Next Birthday).

Maximum Renewable Age

Here are some plan choices we can offer you

Eligibility and Options

Options

This insurance plan is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from HSBC Life (Singapore) Pte. Ltd. and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified financial planner before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified financial planner, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the HSBC Life website at insurance.hsbclife.com.sg or visit the LIA, GIA or SDIC websites (www.lia.org.sg, www.gia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme.

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Protect those you hold closest

SmartCare Executive

HSBC Life SmartCare Executive is a flexible health insurance plan that can be tailored to fit your budget without compromising on health protection for you and your loved ones.

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SmartCare Executive | HSBC Life Health Insurance

Types of Plans

(Rebranding) (PROD) SmartCare Executive (NEW)

High Annual Limit

High coverage of up to S$1 million per year.

Reimburses you in full

Full reimbursement for eligible medical expenses up to the policy annual limit.

Outpatient General Practitioner & Specialist Cover

Includes consultation charges, treatment at an A&E department, diagnostic plans and medical tests.

Major Organ Transplant

Covers charges for transplantation of major organs including the kidneys, heart, liver, lung or bone marrow by surgery from a human donor.

Pediatrician Visits

Waiver of GP referral letter for child below 36 months.

SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs. These plans provide comprehensive Hospitalization, General Practitioner and Specialist Cover.

In addition, you can select optional dental, providing worldwide healthcare that meets your needs.

Restorative Dental Services including Oral examinations, Prophylaxis (teeth cleaning), Fluoride application.

Other Dental Treatments including Extractions, Fillings, Root Canal Treatment, Bridgework, Crowns, Implants, X-Ray, Sealant, Inlays and Onlays, and Treatment of gum disease.

Enhance your coverage and protect your smile by opting for the dental rider.

Dental Rider

Adult:
From 18 years old to 65 years old (Age Next Birthday).
Child:
From 15 days old to 18 years old (Age Next Birthday).

Entry Age

Eligibility And Options

Yes, but dependant’s cover must not be higher than the policyholder. For Dental Rider, all family members must choose the same plan as the policyholder.

We offer 10% family discount for three (3) or more family members covered under the same policy. Families must include at least 1 Insured Adult.

No, proposals for children must include at least one parent or guardian. Children must be aged at least eighteen (18) years at their next birthday to be eligible for a standalone policy.

We will not change the terms of your policy simply as a result of your personal claims experience. Premiums are decided based on the age of each insured member and also the overall claims experience of all individuals insured with us on the same plan. This community pricing helps minimise fluctuations in your premiums year on year.

Yes, if you are outside Singapore for periods not exceeding ninety (90) consecutive days at a time. For inpatient other than Emergency Treatment, our liability is limited to charges for equivalent treatment in Singapore General Hospital, subject to the maximum limits of your Plan. For outpatient treatment, we will cover under the General Practitioner Overseas Treatment benefit up to the maximum limit per visit of your Plan.

Pre-existing (non chronic) are covered under Outpatient General Practitioner & Outpatient Specialist Care only. Pre-existing Chronic conditions are covered under Outpatient General Practitioner (Non panel) & Outpatient Specialist Care after a waiting period of 12 months.

A chronic condition is a medical condition or episode of ill health which persists for a long period or indefinitely.

You can enjoy cashless visits by presenting your membership card, or e-membership card, upon arrival. The only exception is when the appointment is for a chronic condition. In these cases you will be required to make payment to the clinic first and then seek reimbursement from HSBC Life.

Yes. The policy pays for inpatient or daycare treatment of congenital conditions up to the limit shown in “Congenital Condition Benefit” and subject to the below criteria:

The birth defects must either be first diagnosed by a Physician or have symptoms which first appeared after 24 months from the Effective Date of the policy, whichever is later.

When the dental rider is selected, all insured adults under a Policy are also required to take up the Dental Rider (with the exception of Children, for whom Dental Cover is not compulsory).

Frequently Asked Questions

Make a claim

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Protect what you treasure most

SmartCare Optimum Enhanced

HSBC Life’s SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs, to ensure your protection against ever increasing medical cost.

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SmartCare Optimum Enhanced | HSBC Life Health Insurance

(Rebranding) (PROD) SmartCare Optimum Enhanced (NEW)

International Cover

Comprehensive coverage wherever you are in the world.

Outpatient Treatment

Covers general and specialist consultations.

Living Organ Donor

Pays for transplantation of kidney, heart, liver, lung or bone marrow when a live member donates an organ or tissue to their parent, sibling, child, spouse or partner.

Pregnancy and Childbirth Cover Add-On

Pays for routine pre-natal care, childbirth and routine post-natal care up to 42 days following childbirth.

Pre-existing & Congenital Condition Coverage

Available only after consecutively covered for 270 days.

Provides high coverage of up to S$4.5 million per year.

Direct Settle with HSBC Life International listing of hospitals

For full details, please refer to the policy wordings.

Living in a different country can be the experience of a lifetime. It is important that you have access to quality healthcare treatments wherever you want, while being protected against rising medical costs.

International Exclusive is a health insurance product that gives you access to worldwide private medical care.

Pays for routine pre-natal care, childbirth and routine post-natal care up to 42 days following childbirth.
(For 18 years old and above).

Normal Pregnancy and Childbirth Cover  (for Plan A only)

Get up to 50% discount if you opt for an annual deductible and co-insurance.

Premium Discount for Annual Deductible and Co-insurance

From 18 years old to 80 years old
 (Age Last Birthday).
For Child Standalone Policy, from 15 days old

Options of
1) Worldwide
2) Worldwide excluding USA
3) Asia

Area of Cover

There are three (3) plans available along with three (3) areas of cover and three (3) levels of deductible giving you multiple ways to meet your healthcare needs and budget.

Plan A - Comprehensive Inpatient and Outpatient treatment, Optical Care benefit, Dental benefit, Health Screening and other essential benefits. Optional add-on Normal (Routine) Pregnancy and Childbirth Cover.

Plan B - Comprehensive Inpatient and Outpatient treatment including vaccination

Plan C - Comprehensive Inpatient treatment and essential Outpatient treatment

The last entry age is eighty (80) years old.

There is no maximum expiry age for cover. Provided the plan you have chosen is still available, you can continue to renew the policy at the terms and conditions applicable at each policy anniversary.

A deductible is an amount you need to pay towards the covered expenses before we start paying for your treatment. A co-insurance is a share of the eligible medical expenses that you need to pay.

There are three (3) levels of deductible and co-insurance available as an option for you to reduce your premium. Please refer to the benefits table for details on whether the annual deductible or co-insurance is applicable.

Based on eligible expenses for a member insured under Plan A with Option 1 S$700 deductible and 20% co-insurance.

You can use the HSBC Life Panel Clinic Listing and Locator to find a General Practitioner clinic that is convenient for you to visit.

Yes. However the principal member (the main applicant) can be insured on a plan lower than the other members enrolled under the same policy.

We offer 10% family discount if there are three(3) or more family members who are covered under the same plan. This discount is on top of the premium discount for annual deductible and co-insurance options. The family discount is available at every policy renewal as long as there are three (3) or more family members covered under the same policy.

Yes, you can. A 20% premium loading on the prevailing brochure premium rates will apply if your child is aged fifteen (15) days to five (5) years old at the time we accept your application or renewal (whichever is applicable). However, the parent or the guardian must still be the policyholder.

If you are a Singaporean national, you will be able to renew your policy if you return to your home country.

If you are not a Singaporean national and you are returning to your home country to live, you will not be able to keep on renewing this policy. We will provide cover until the policy expiry date where the customer ceases to be eligible under InternationalExclusive.

Make the world your home

International Exclusive

HSBC Life’s International Exclusive offers plenty of benefits including high coverage up to S$4 million a year, cashless hospital admission upon approval, international emergency medical assistance and more.

Health Insurance

Discover the right product for your needs

HSBC Life Shield

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Prime Care

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

SmartCare Executive

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

SmartCare Optimum Enhanced

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

International Exclusive

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

GlobalCare Health Plan

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Get in Touch

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HSBC Life & You

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Keep In Touch

HSBC Life & You

Others

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